In your point of view, Will it happen to centralized money all over the world through the use of cryptocurrency?
Ripple did that, and also my country Indonesia central bank governor is banning cryptocurrency as a payments system, but they have a plan to make a digital currency that utilizes blockchain. That is where the part of centralization crypto began, when the governments ruling it.
Or it will just pass and nothing will ever change in our system of banking. Or do you have any speculation with cryptocurrency? I need to justify the speculation's probability.
I don't think cryptocurrency isn't a big step, it already did change the economics. It offers us to offer a decentralized economics instead of centralized economies.